ATLANTA - Banc One Corp. doesn't own a bank in Georgia, but that hasn't stopped the Columbus, Ohio-based behemoth from operating a bank here. Sort of.

Putting a new spin on a proven performer - supermarket branches - Banc One has installed loan production offices in five Roberds furniture stores in metro Atlanta. The result is a kind of embryonic branch system in a state where Banc One doesn't possess a bank charter.

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